SAN DIEGO COUNTY CREDIT UNION
SAN DIEGO COUNTY CREDIT UNION received 940 applications in 2025 and made 450 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 8.500% on a median loan of $105,000. Of 733 decisions, 274 were denials — 37.4%, most often for debt-to-income ratio. 47 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300E51HYVR7T2SU19 |
|---|---|
| Applications received | 940 |
| Mortgages made | 450 |
| Denied | 274 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 207 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.79 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | 6.250% | $405,000 | 17.5% |
| Refinancing | 90 | 8.125% | $170,000 | 33.8% |
| Cash-out refinancing | 15 | 6.500% | $265,000 | 23.8% |
| Other purposes | 312 | 8.750% | $95,000 | 40.4% |
Where SAN DIEGO COUNTY CREDIT UNION lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Diego County, CA | 370 | 8.438% | 37.4% |
| Riverside County, CA | 55 | 8.375% | 40.2% |
| Orange County, CA | 16 | 9.000% | 30.4% |
| Los Angeles County, CA | 2 | Under 10 loans | 50.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Humboldt County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | Not published |
| San Joaquin County, CA | 0 | Under 10 loans | 100.0% |
| San Luis Obispo County, CA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.